Lower Your 1992 Honda Prelude Insurance Quotes

Looking for better insurance rates for your Honda Prelude? Overpriced Honda Prelude insurance can drain your checking account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Lots of insurers contend for your insurance dollar, so it can be very hard to choose a company and uncover the absolute lowest price

Quick Car Insurance Quotes

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to compare 1992 Honda Prelude insurance prices is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

• Probably the best way to find low rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from car insurance companies with the best prices.
• A slightly less efficient method to shop for car insurance online consists of visiting the website for each individual company and request a quote. For sake of this example, let’s say you want to compare USAA, Liberty Mutual and Geico. To get each rate you have to go to every website to input your insurance information, and that’s why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

• The least recommended way to get comparison rates is to drive around to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the personal advice only provided by licensed agents. It is possible to find lower rates online but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you are comparing identical quote information for each comparison quote. If you are comparing different liability limits it’s impossible to decipher which rate is best. Just a small difference in coverage limits could mean much higher rates. And when comparison shopping, comparing a large number of companies helps locate lower pricing.

When might I need an agent?

When it comes to buying coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is an SR-22 filing?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need replacement cost coverage on my 1992 Honda Prelude?
• Does my medical payments coverage pay my health insurance deductible?
• Do I pay less if my vehicle is kept in my garage?
• Do I get a pro-rated refund if I cancel my policy early?
• Can my teen drive my company car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a Honda Prelude

Having a good grasp of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses such as pain medications, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your Prelude from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter, rolling your car, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, hail damage, a broken windshield and theft. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance – This protects you from damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, medical services and attorney fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.